Credit

Charge

Membership Rewards

Membership Rewards points can be redeemed for a wide variety of travel rewards, shopping rewards and entertainment rewards. Points can also be transferred to other loyalty programs such as Airline Rewards Frequent Flyer and Hotel Rewards Frequent Guest programs dependent on what rewards option you are enrolled in

Earn points on your eats, those sneakers you just have to have, or tickets to a life changing concert with the Essential Credit Card

For every $1 you spend on purchases, you’ll earn 1 Membership Rewards point4 except on those ‘not-so-fun’ life admin costs including spend on utilities, insurance, telecommunications and government bodies in Australia where you earn 0.5 points per $1 spent4

The best thing is that the points you earn from your spend can be redeemed. So the more you spend the more you get to treat yourself! This includes;

Travel with 8 airline partners5. Just transfer your points to one of our airline partners and book your next flight on points!

A fresh new kit from David Jones7. Just shop online and checkout with your points

A gift card8 from your favourite retailers - perfect gift for the friend who has everything

Or pay off your purchases with the Select + Pay with Points program9

The easiest way to grow your points is with a supplementary Card (up to 4) for family members or your ‘plus one’ at no additional cost10

A low interest rate of 14.99% p.a. on purchases1 offering you flexibility to pay off those necessary purchases in your own time

Protect your Smartphone Screen from a life shattering crack. Pay your phone bill or monthly contract on your Card and have your own back when it comes to a busted phone. With Smartphone Screen Insurance we’ll reimburse you for the cost of the screen repair up to $500 with a 10% excess per claim3

Exclusive discounts and offers from your favourite brands which can be saved straight to your Card with our exclusive Amex Offers program

American Express Invites – giving you access to a wide range of sought-after events, including music, theatre and film, often before tickets go on sale to the general public. Purchase all your friends tickets to earn more rewards points

A promotional balance transfer offer of 0% p.a. for the first 12 months6 to help you pay off your other balances. A one-off establishment fee of up to 3% applies and you can transfer up to 70% of your approved credit limit to a maximum of $10,000. This offer is for new applicants only. See how much you could save with our Balance Transfer Calculator

When you pay for purchases using your Essential Credit Card you can enjoy being protected.

Purchase Protection - if an item is stolen or breaks within 90 days of purchase, it can be repaired or refunded up to $2,500 per claim, up to $10,000 per year and with a $50 excess per claim3

Buyer’s Advantage – extends the manufacturer’s warranty by up to 12 months for up to $7,000 per claim and $7,000 per year, with no excess3

Refund Protection - if you have a change of heart and are refused a refund on an unused item within 90 days of purchase, you will be reimbursed for up to $500 per claim and $2,000 per year, with no excess3

Online Fraud Protection - guarantees you against unauthorised charges. If you see something unusual on your statement, let us know immediately and you won’t be held responsible11

Emergency Card replacement - if your Card is lost or stolen, rest assured because we can usually have it replaced within 48 hours, virtually anywhere in the world12

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $40,000 per annum to apply for the American Express Essential Credit Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 15 November 2017 and are subject to change.

Interest rate is correct as at 15 November 2017 and is subject to change. This interest rate does not apply for Cash Advances and associated fees.

You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.

Insurance cover is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions and exclusions contained in the American Express Essential Credit Card Insurances policy between American Express and Chubb available here. For Smartphone Screen Insurance, maximum of 2 claims per 12 month period, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies.

Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. Certain transactions will earn 0.5 points per dollar with merchants classified as; “utilities” including gas, water, electricity and telecommunications providers; “government”, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and “insurance” excluding insurances offered by American Express.

Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable program.

Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions.

Subject to the terms and conditions of the American Express Membership Rewards program available at membershiprewards.com.au/termsandconditions and the David Jones Terms and Conditions available at davidjones.com.au Terms and conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Supplementary Card Members are not eligible for Shop with Points transactions. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. For the David Jones Refund Policy please go to davidjones.com.au/return-policy or for online delivery details and prices go to davidjones.com.au/Delivery-information.

Gift card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Subject to the retailer’s standard gift card / voucher conditions.

Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au/termsandconditions. Minimum of 1,000 points required. Any credit to your Card Account cannot exceed the current outstanding balance on your Account. Points will be debited immediately and credit will take up to three business days to appear on your online statement.

Supplementary Card Members must be over 18 years of age. You will be liable to pay for all Supplementary Card spending on your account.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.

*The American Express Essential® Credit Card has been awarded 5 Stars by CANSTAR in Credit Card Rewards, Low Fee and in the Frequent Flyer categories. Refer to the 2016 CANSTAR Credit Card Star Ratings report available here for further details.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

Android, Android Pay, and the Android Logo are trademarks of Google Inc.